After going on disability I was unable to pay a couple debts to credit card companies. I signed up online to have debt solution companies contact me and subscribed to HALO Debt Solutions' services. The totaled my debt and charged me a percentage based on that. The plan was for me to save a set amount every month from which they would take their fee in reducing amounts. They provided me with a plan showing the amounts I owed reduced by 50% and the way my account would grow. The plan was after a year I would pay off the first and smaller... read full review »